S. E. Investments LimitedInvestor Presentation

Q3 FY’ 12

Year- on - Year (Y-o-Y) ComparisonQ3 FY 11-12 Key Financial Highlights ( 9 months ended FY’12 vs 9 months

ended FY’11)

Business Update Investors Update – Jan 12

Q1’11 – Q3’11(April 11 - Dec 11)

Q1’ 10 – Q3’ 10 (April 10 - Dec 10)

Growth (%)

Net Revenue 1594.88 1334.34 19.53%

PBT 745.67 658.52 13.23%

PAT 531.12 527.91 0.61%

(Amt in Millions)

Quarter - on - Quarter ( Q - o - Q) Comparison)Q3 FY 11-12 Key Financial Highlights ( Q3 FY12 vs Q3 FY 11)

Q3 FY’12( Oct’11 - Dec’11)

Q3 FY’ 11( Oct’10 - Dec’10)

Growth (%)

Net Revenue 591.29 478.98 23.45%

PBT 261.71 258.10 1.40%

PAT 180.62 178.96 0.93%

(Amt in Millions)

As compared to 9 month period of FY’ 11 Income from Operations is increased by 19.53% at r 1594.88 millions.

As compared to 9 month period of FY’ 11 Profit Before Tax (PBT) is increased by 13.23 % at r745.67 millions.

As compared to 9 month period of FY’11 Profit After Tax (PAT) is increased by 0.61 % at r 531.12 millions.

Financial Highlights Investors Update – Jan 12

Net Revenue PBT PAT0

2000

4000

6000

8000

10000

12000

14000

16000

9MFY12

9MFY11

Operational Highlights Investors Update – Jan 12

Total Disbursement is at r 7816.49* millions increased by 4.5 % Total Customer Outreach at 301107

* Including Nupur Finvest Pvt. Ltd. Figures.

9M FY 11 9M FY 127300

7400

7500

7600

7700

7800

7900

Increased total member base to 301107* lacs

Revenue of r159.49 crores for 9M FY 12 ( up 19.53% YoY )

Revenue of r59.13 crores for Q3 FY 12 ( up 23.45% QoQ)

PBT of r74.51 crores for 9M FY 12 ( up 13.23% YoY )

PBT of r26.17 crores for Q3 FY 12 ( up 1.40% QoQ )

PAT of r53.11 crores for 9M FY 12 ( up 0.61% YoY )

PAT of r18.06 crores for Q3 FY 12 ( up 0.93% QoQ)

Networth of r408.02 crores as at December 31, 2011

Highlights – Q3 FY 12 Investors Update – Jan 12

SEIL methodology and process Investors Update – Jan 12

Focus on large clientele of small / medium business,

family run enterprises & traders

Transactions are based on qualitative & quantitative

assessments of the entity

Focus on credit history, local knowledge of operating

segments & understanding of the performance of the

entity

Pricing reflective of risk assessment of the client

Competitive fast & efficient decision making

Quick processing

Robust reminder & collection process

Client Acquisition

Assessment

FocusApproach

DeliveryProducts

Consolidated Income Statement Investors Update – Jan 12

Nupur Finvest Pvt. Ltd. ( NFPL) Investors Update – Jan 12

100 % owned by SEIL. RBI registered NBFC. Credit Rating of CARE A – (SO) [ Single A Minus ( Structured Obligation)

assigned by CARE Ltd. On 06.09.2011 to the Bank loan facility Total Disbursement for 9M FY 12 r1114.2 millions. Total Customer outreach at 112815 . Total Revenue for 9M FY 12 r 112.93 millions Total PBT for 9M FY 12 r245.72 millions Total PAT for 9M FY 12 r140.05 millions Net worth for 9M FY 12 r522.62 millions

At a Glance – Position of Nupur Finvest Pvt. Ltd. pursuant to main recommendations of Malegam Committee on Microfinance Investors Update – Jan 12

S.No

Particulars As per Sub-Committee Report

As per NUPUR FINVEST after changes made as per Malegam Report

Remarks

1. Criteria for NBFC-MFI

Holds not less than 90% of its total assets (other than cash, bank and money market instruments) in the form of Qualifying Assets.

Nupur Finvest Pvt. Ltd. Will be considered as NBFC - MFI. Having more than 90% qualifying assets.

Ok

2. Minimum Net Worth

R15 cr. Now the Net Worth has been raised to r52 cr. (as on date).

Ok

3. Interest Cap Max. 26% Existing is below 26% Ok

4. Loan Size Individual Loan – not to exceed r35,000 in first cycle and r50,000 in subsequent cycle. Aggregate of all outstanding loan - r50,000

Scheme modified, now the maximum amount of loan restricted to r50,000.

Ok

5. Purpose of loan Loans for income generation purpose is not less than 75% of total loans given by MFIs

For income generation purpose only.

Ok

6. Repayment Schedule

Weekly, Fortnightly, Monthly – choice is on the borrower.

Monthly Ok

Significant Highlights in Q3 FY 12 Investors Update – Jan 12

Rating Update [ Reaffirms the rating on 05.09.2011]

CARE Rating : Rated adequate safe ‘ CARE A’ for SEIL Fixed Deposit

Programme

: Rated adequate safe ‘ CARE A –’ for Bank Loan facilities

SEIL is registered with RBI, New Delhi as a deposit accepting NBFC

Expansion Policy

SEIL is expanding its domestic footprint in state like Gujarat and Andhra Pradesh.

Thank You Investors Update – Jan 12

Sunil Agarwal

Managing Director

sunil@seil.in

Investor Relation Desk

ir@seil.in